All of the VIP eligibility requirements are listed here in the VIP Dividend Disclosure.

VIP Dividend Disclosure

The following requirements for a Loan Rebate Dividend and/ora Deposit Bonus Dividend apply to the account relationships (i.e. Checking,Loan and/or Deposit & Wealth Management) under a single membership number.

To be eligible for a payout you must:

be a member in good standing which means having at least $5.00 in your primary share account; be a member of record on the declaration date of December 31, 2014 through the payout date of January 27, 2015; may not have had a share or loan charge-off; may not have had a loan delinquent by 60 days or more between January 1, 2014 and December 31, 2014;and

be a VIP member by owning a personal checking account from which you performed 144 or more withdrawals between January 1, 2014 and December 31, 2014; and

have two or more core loan types or two or more core deposit types.

Core loan types are defined as:first mortgage loans having a balance at anytime between January 1, 2014 and December 31, 2014; home equity loans (2nd Mortgage, Home Equity Loan or Home Equity Line of Credit); auto loans having a balance at any time between January 1, 2014 and December 31, 2014; and Visa credit cards.Two or more qualifying loan types are required to earn a Loan Rebate Dividend.Multiple loan products of the same type count as one.

Core deposit types include:Wealth Management accounts1, IRA accounts (Coastal IRA Savings and Coastal IRA Certificates), Coastal Certificates, and Coastal Money Market accounts. Two or more qualifying deposit types are required to earn a Deposit Bonus Dividend.Multiple deposit products of the same type count as one.IRA Certificates count as an IRA, not as a Certificate and not as both.

Loan Rebate Dividends are based upon total loan interest paid and are calculated as the sum of the monthly interest paid, not accrued, on all loans (non-business) listed under a single membership number for the calendar year 2014.

2014 Loan Rebate Dividends

Loan Interest Paid

Loan Rebate Dividend

$250-$2,499.99

$100

$2,500 - $4,999.99

$200

$5,000 - 9,999.99

$300

$10,000 +

$500

Deposit Bonus Dividends are based upon year-end average daily balance, which is calculated as the average of the month-end average daily balances of all shares (non-business) listed under a single membership number for the calendar year 2014.

2014 Deposit Bonus Dividends

Year End Avg. Balance

Deposit Bonus Dividend

$5,000 - $24,999.99

$100

$25,000 - $99,999.99

$200

$100,000 - $199,999.99

$300

$200,000 +

$500

Only primary members receive a Loan Rebate Dividend and/or Deposit Bonus Dividend. Joint owners will not receive a separate payout. Loan interest and deposit balances cannot be combined or shared with other accounts. Business Accounts, Custodial Accounts, and Trust Accounts are ineligible. All transaction activity is based on calendar year 2014. Member in good standing and balance criteria are determined as of 12/31/2014.

The Credit Union reserves the right to modify and cancel the VIP Program at any time and no member has a reasonable expectation that a Loan Rebate Dividend or Deposit Bonus Dividend will be paid as part of the VIP Program in any year or that the terms will remain the same.

All member deposits in Coastal Federal Credit Union are insured to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000) by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the credit union's earnings at the end of a dividend period and thus cannot be guaranteed.

1 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Wealth Management accounts also include non-deposit investment and insurance products and services previously sold through CUNA Brokerage Services, Inc. and CUNA MemberCONNECT (excluding Basic Accidental Death and Dismemberment). Wealth Management does not include products and services sold through other joint marketing relationships with the credit union—e.g. MetLife, Providence Insurance Agency (an Ascension Company) or LifeRing Insurance.